Ingeniq Capital
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Ingeniq Capital provides comprehensive financial planning, discretionary investment management and ongoing advisory services to individuals, families, trusts and estates, as well as business owners and charitable organizations. The firm also offers limited tax-preparation services, financial consulting projects, and educational seminars and workshops as part of its service menu.
The adviser follows a fiduciary duty and uses a Modern Portfolio Theory framework, emphasizing passive implementation with low‑cost index mutual funds and ETFs and tailoring asset allocation to each client’s risk tolerance and time horizon. Investment management engagements typically begin with an initial financial plan and investment policy, and the firm bundles planning with ongoing advisory or AUM services (with certain tax-preparation services included above specified thresholds).
Compared with many solo independent advisers, Ingeniq explicitly addresses employer- and business-related needs—offering small-business retirement-plan analysis, payroll and entity-formation assistance, and coordination with legal and tax professionals as part of its financial consulting work. It also provides educational programming to clients (currently at no additional charge with plans for fee-based offerings) and describes hands-on services like remote account setup and targeted project work that are less common for firms of its size.
Client services
Expertise
Fee options
Financial planning fixed fees range from $3,800 to $8,000 depending on complexity
$0 - $500,000: 0.75% annually (discretionary management) plus minimum $200/month $500,000 - $1 million: 1.1% annually (discretionary management) $1 million - $2 million: 0.85% annually (discretionary management), 1.00% annually (non-discretionary) $2 million - $4 million: 0.65% annually (discretionary management), 0.75% annually (non-discretionary) $4 million+: 0.55% annually (discretionary management), 0.65% annually (non-discretionary)
$350 per hour
Ongoing financial advisory service $300 to $1,000 per month (billed quarterly in advance)
Minimum fee: Minimum $200/month for discretionary management Fee-only: Yes, no commissions or performance-based fees
Main office
200 Great Road Suite 211
Bedford MA 01730
Advisors at this office
1
Most active in
California · Massachusetts · Texas
Also doing business as
Ingeniq Capital · Ingeniq LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)